February 2017 - Making Millennials Move

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TH E M R EP O RT | 35 E-LENDING GUIDE Special Advertising Section CORPORATE PROFILE Civic Financial Services (Civic) is a direct private money lender specializing in the financing of non- owner occupied, residential investment properties. With access to institutional capital, Civic provides Mortgage Brokers and Real Estate Investors with a consistent, cost effective, and efficient funding source. Civic is a common sense lender that offers competitive loan programs for fix & flip projects, rental property acquisition or refinance, and bridge loan solutions. COMPANY HISTORY Civic has a short history, but a well-capitalized pedigree. Civic was established in 2014 by its parent companies, Wedgewood Inc. and HMC Assets, LLC, to meet the needs of investors that do not fit within traditional lending criteria. REGULATORY COMPLIANCE All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under DBO license #603L321, AZ Mortgage Broker license #092863, ID Mortgage Broker/Lender License #MBL-8288, OR Mortgage Broker License #ML-5282, NV Mortgage License MB4419, NV NMLS ID. 1410002 and WA Consumer Loan Company License #CL-1099109. Civic is an equal opportunity lender. BUSINESS LINES, SERVICES AND PRODUCTS Civic offers 1, 2, and 4 year term loans with max LTV's ranging from 75-80 percent. Civic's purchase, rate & term, and cash-out transaction interest rates start from 8.99 percent. Civic also offers a very com - petitive line of credit program for highly experienced real estate investors. GEOGRAPHICAL SCOPE AND COVERAGE AREA California, Florida, Washington, Oregon, Arizona, Nevada, Hawaii, Colorado, Texas, and Georgia KEY FEATURES/BENEFITS Civic is a direct lender, which means quick deci- sion and fast closings. Civic has highly competitive programs in regards to leverage, rates, fees, etc. COMPETITIVE ADVANTAGE Every lender can speak on their service level and quick turn times, but one of the most important fea- tures of running a successful private money lender is access to capital. Civic has been fortunate to be affiliated with some of the largest investment groups within the real estate industry such as HMC Assets and Wedgewood, Inc. It is through these relation - ships that we have access to institutional capital which results in competitive rates and fees for the company's borrowers. ADDED VALUE TO CLIENTS Civic's customer service and attention to the needs of its clients. These unique relationships with Wedgewood and HMC Assets in particular allow Civic to be well informed in the real estate markets in which it lends. In turn, this promotes exceptional service to its clients in the form of better valuations, quicker turnaround times, and the ability to advise borrowers through every step of the transaction. KEYS TO SUCCESS The company's biggest key to success is its at- tentiveness to clients. A large portion of monthly business comes from repeat customers, which speaks volumes to Civic's customer service. Every day, Civic's management and sales teams explore new ways to better improve the customer experi - ence within the company and maintain top services as it continues to expand. INDUSTRY AWARDS, ACCOLADES, AND MILESTONES Civic Financial Services has received a number of industry awards and accolades, including recogni- tion from a leading industry publication's People Movers of the Week, Mortgage Professional America's Under-35 Young Guns 2016, a lead- ing industry publication's Women of Influence and Insiders 2016, and MReport's Achievements of Women in Housing. Co-Founders Gary McCarthy and Jim Helfrich were recently recognized in a leading industry publica- tion's Vanguard Awards as two of the 40 leading executives in the housing industry. KEY PERSONNEL Jack Helfrich Director of Sales Whit McCarthy Director of Sales Kendra King Director of Operations STAFFING 60+ employees CONTACT INFORMATION 2015 Manhattan Beach Blvd. Suite 106 Redondo Beach, CA 90278 Phone: 1.877.47.CIVIC Email: Web: Civic Financial Services

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